Silver and Secure

Marketplace 2027 - What's Changing

If you or someone you know gets health insurance through the ACA Marketplace, there are significant changes coming for 2027 that are worth knowing about now - before open enrollment begins this fall.
KEY CHANGES FINALIZED FOR 2027:

Shorter open enrollment - runs November 1 through December 15. Don't wait.

Higher out-of-pocket maximums - increasing to $12,000, up from $10,600 in 2026. For bronze plans, that number can be even higher.

Stricter income verification - self-reporting income is no longer enough. Verification must match IRS records or subsidy eligibility could be at risk.

Stricter reconciliation rules - if you received premium tax credits and didn't file your taxes or reconcile your subsidy, you could be denied subsidies after just one year of noncompliance.

These changes could affect your premiums, your eligibility, and your enrollment window. The best thing you can do is review your coverage carefully this fall and not wait until the last minute.

Reach us at [email protected] or 830.406.6654.

How Standalone Cancer Coverage Works

Standalone cancer insurance is a type of supplemental policy that pays benefits specifically when you're diagnosed with or treated for cancer. Here's how it typically works.

When you're diagnosed with a covered cancer, the policy pays you directly - not the hospital or doctor. That's an important distinction. The money comes to you and you decide how to use it.

TWO COMMON BENEFIT STRUCTURES:

Lump sum payment - some policies pay a set amount upon diagnosis, say $10,000 or $25,000. That money can be used for anything - medical bills, living expenses, travel to a treatment center, or simply building a financial cushion during a difficult time.

Ongoing treatment benefits - other policies pay for specific cancer-related expenses as they occur - chemotherapy, radiation, surgery, hospital stays, and sometimes follow-up care.

What cancer insurance does not do is replace your primary health insurance. It works alongside it - filling the financial gaps that Medicare or your regular health plan leaves behind.

Premiums are generally affordable, especially when purchased before a diagnosis. Most policies are not available to someone already diagnosed with cancer, so timing matters.

If you'd like to explore what a cancer policy might look like for your situation, we're happy to walk through the options.

Reach us at [email protected] or 830.406.6654.